Argyle Enhances nCino Mortgage Integration with Customizable, Embedded VOIE

Borrowers can experience Argyle’s frictionless verification of income and employment without ever leaving the nCino Mortgage app.

We’re excited to share that Argyle has enhanced its integration with nCino Mortgage to embed our award-winning verification of income and employment (VOIE) even more seamlessly within nCino Mortgage’s mobile-first mortgage point-of-sale (POS) experience. 

Two enhancements will be available to mutual customers of Argyle and nCino Mortgage by the end of August 2024:

1. Embedded VOIE directly in the 1003 application

Instead of inviting borrowers to verify income and employment with an automated email or SMS triggered upon completion of the 1003 application, lenders can present Argyle VOIE as an embedded, in-app experience during the 1003 application flow to minimize friction and increase borrower confidence and pull through.

2. Customizable VOIE workflows for each of your business units

Using the Argyle and nCino Mortgage integration, lenders can set up custom verification flows for their different business units or operating groups.

For example, if a lender has a dedicated d/b/a that originates only Veterans Administration (VA) loans, it can customize the Argyle VOIE flow within nCino Mortgage to display only military employers and associated payroll connections for that d/b/a. This customization personalizes the borrower experience and streamlines the VOIE process by eliminating the need for military borrowers to select from Argyle’s entire list of more than 540 payroll and employer connections.

Synergy One Lending has been a power user of nCino Mortgage (which it white-labels under the moniker S1 Connect) since 2018 and implemented Argyle at the top of its VOIE waterfall in early 2024. As a company that prioritizes innovation as one of its core values, Synergy One often finds itself on the leading edge of technology adoption — so it should come as no surprise that Synergy One was an enthusiastic beta tester of the enhancements to Argyle’s integration with nCino Mortgage.

“We have always been passionate about offering a state-of-the-art loan experience without requiring borrowers to jump through unnecessary hoops or disrupting the way our sales force works. The integration between nCino Mortgage and Argyle is a perfect example of our commitment in action: it’s one more way we can make the mortgage process smoother for everyone involved,” says Synergy One President Steve Majerus. 

Always innovating: forthcoming integration enhancements

Mutual customers of Argyle and nCino Mortgage can rest assured of our continual investment in the integrated offering.

Argyle will add raw data elements to the W-2s, pay stubs, and VOIE reports it already shares with nCino Mortgage. Lenders can use these data elements to accelerate income calculations and get a rep and warrant determination earlier by pre-populating their submissions to automated underwriting systems (AUS) like Fannie Mae’s Desktop Underwriter® (DU®) validation service and Freddie Mac’s Loan Product Advisor® (LPA℠) asset and income modeler (AIM).

Peering farther into the future, lenders will have the option to position Argyle later in the origination process by making our VOIE part of the dynamic to-do list borrowers complete after their initial 1003 loan application. LOs may have more control over the VOIE process, and borrowers may apply without requiring an nCino login.

Learn more about Argyle’s nCino partnership today.

Let’s discuss the benefits

Connect with an expert on our team to learn more about the integration and how to get started with Argyle and nCino.